CN1682240A - Plug in credit card reader module for wireless cellular phone verifications - Google Patents

Plug in credit card reader module for wireless cellular phone verifications Download PDF

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Publication number
CN1682240A
CN1682240A CNA038221217A CN03822121A CN1682240A CN 1682240 A CN1682240 A CN 1682240A CN A038221217 A CNA038221217 A CN A038221217A CN 03822121 A CN03822121 A CN 03822121A CN 1682240 A CN1682240 A CN 1682240A
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China
Prior art keywords
credit card
module
reader
plug
card reader
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Pending
Application number
CNA038221217A
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Chinese (zh)
Inventor
肯尼思·史蒂文·贝利
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Individual
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Individual
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Publication of CN1682240A publication Critical patent/CN1682240A/en
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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226—Use of secure elements separate from M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0018—Constructional details, e.g. of drawer, printing means, input means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B1/00—Details of transmission systems, not covered by a single one of groups H04B3/00 - H04B13/00; Details of transmission systems not characterised by the medium used for transmission
    • H04B1/38—Transceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving
    • H04B1/40—Circuits
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • H04M1/72409—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2250/00—Details of telephonic subscriber devices
    • H04M2250/14—Details of telephonic subscriber devices including a card reading device

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Human Computer Interaction (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Artificial Intelligence (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Telephone Function (AREA)
  • Telephonic Communication Services (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Telephone Set Structure (AREA)

Abstract

A method for converting a standard, consumer, hand held, cellular telephone into a hand held, point of sale, (POS) credit card terminal, utilizing an attachment module which plugs into the data port on the bottom or external RS-232 port of the cellular phone is described herein. The Module is comprised of: a reinforced plastic enclosure molded to the contour of the cellular phone; an internal printed circuit board containing a micro-processor unit, a memory chip, an I/R interface chip, I/R diodes; a credit card reader head that has been modified to reduce the size of the reader head thickness; a smart card reader assembly; a barcode reader and; an electronic fingerprint reader interface.

Description

The plug-in type credit card reader module that is used for the wireless portable telephone checking
Background technology
The present invention relates to the process field of credit card trade, usually, credit card only can be handled by manually the credit card Embosser being slipped over credit card, be maintained in the plant equipment simultaneously, then resulting credit card information is given the Customer Service Representative of processing enter with the artificial communication of phone, then, authorization code manual record that will oral narration on phone is given the people who handles transaction.This formality is not only inconvenient and consuming time, and because swindle has increased the loss of credit card company, and owing to the cognoscible risk of growing swindle has increased the cost of accepting the trade company of payment in other disposal cost field.When card slipped over groove and read electronically, as the situation in most of department stores and the restaurant, swindle was reduced because use card to make to buy effective individual usually when swiping the card at the scene.When quantity is only write and when not read electronically, the situation of credit card fraud is trade company that accepts card and the calculated risk that gives the processor both sides of its mandate.In the amount that card may be suitable for being collected, use card number to make the individual that purchase comes into force not be authorized to do like that.For trade company, this has produced the charge debt and has finally expended the processor aspect the labour cost when these controversial charges are bought and solved to controversial credit card.
The previous method that addresses this problem is at most the system of piecing together, and is included in hardware aspect and with great cost various technology is carried out careless mixing.A solution wherein by the Hypercom of the company exploitation of open transaction, comprises that traditional cell-phone in the standard that breaks away from posture Verifone credit card reader and the less briefcase wraps in and the combination of the battery that turns round.System cost is approximately per unit unit and is not to be easy to carry very much the client aspect making things convenient for.Still the company that finds no provides the equipment that can use on basis as required, it only needs add-on module is inserted the external data port of portable phone, and removes plug-in module when having no credit the card transaction processing.
Credit card information aloft considered to be between transmission period in the potential danger of usurping or scanning.Hypercom is not as yet using the encryption standard of governmental approval type to encrypt their transmission at present, and client's safety of radio credit card trade is not provided.The present invention is devoted to the radio security needs, use the triple word algorithm for encryption of governmental approval and combining of digital signature key signal exchange, all being accredited as with national security community default standard (National Security Agency Compliance Standard) conforms to.Be caught the valid wireless electrical transmission at this and disclose the known safe level method for distinguishing of realization U.S. Department of Defense, promptly the physical security rank 2, and software cryptography rank 3.This makes the effective banking computer of transmission in interbank and the bank the same safe with great majority, and has the security the same with ATM.
In the world of fast development today, the efficient of Computer Processing and speed all are vital in any transaction, or in fact at financial aspects, or only provide time-saving advantage to user or client.The time that the paired technology of previous use is handled transaction,, generally include and almost handled a transaction in one minute as the technology that provides by Hypercom and other company.Use technology described here, processing time of each transaction is reduced to several seconds.This has increased customer satisfaction and has produced more gratifying product.
Embodiment
Plug-in module is designed to be inserted in the outside port of most popular portable hand-held phone on the world market.Internal circuit board, assembly, design, firmware, software and operation characteristic can great changes have taken place between the different manufacturers of portable phone, up to relating to the final user, will be except the shell of mainly forming with the specific phone manufacturer change by the design of staying, its change is in order to conform to specific model and employed phone trade mark.Each feature of phone module will comprise encrypting module, credit card reader head and be used to communicate by letter printer or p/c with the infrared port of printing receipt and be used for from printing material such as magazine, pamphlet and packing wanding bar code reader, and discern the user of portable phone or the credit card user that tank is swiped the card of reading by the credit card reader module just electronically.
When normal use portable phone, the credit card reader module can remain connected to the external data port of portable phone always, and certainly, module will enter standby mode, reducing the power consumption of portable phone, up to the credit card reader module by till credit card being slipped over its groove and being activated.In case creditable card was brushed the main body of credit card reader module, be embedded in that electronic component on the circuit board in the credit card reader module will enter its awakening mode and by following processing credit card information:
1) reads the credit card information that magnetic preserves and being kept at the internal storage from credit card magnetic stripe road 1,2 and 3.
2) the T-DES algorithm that uses U.S. government to authenticate is encrypted the credit card information of being preserved in microprocessor unit.
3) with the card data presentation of being encrypted on the L.C.D. that shows on the telephone unit.
4) the L.C.D. display alarm user of phone imports the dollar quantity of transaction and by sending (SEND) key.
5) the WAP application program in the portable telephone unit produces with the Internet Protocol session (IP session) of credit card processing enter and with the credit card information of encrypting and radios to processor by Mobile Telephone Switching Office (MTSO) through the private frame relay link from MTSO to the processor facility.
6) processing enter is used the server computer data decryption that the manufacturer of plug-in module has and moves.
7) handle institute's decrypted data in common mode, determine whether credit card expires, is stolen or surmounts its restriction, and check and approve or the trading volume of the dollar quantity of the current purchase refusing just handling.
8) resultingly check and approve or refuse to use the IP session protocol to give cellular phone module through ongoing WAP application transfer.
9) result of from processor is presented on the screen of the L.C.D. in the portable phone through the WAP application program.
10) stop the credit card approval session, the IC module circuit is got back to sleep mode in anticipation another credit card trade subsequently.
11) by the infrared window of module being aimed at portable printer and being depressed printing (PRINT) key on the module, the information about previous transaction of being preserved is transferred to printer to send receipt to user or client by Infrared Transmission.
12) under the situation of the magazine of clothes that description is used to sell or commodity, as aloft course line magazine, user or client can be scanned the bar code of these article, it will be stored in the internal storage of accessory module, and can be used for by the brush credit card so that buy and to come into force and finish transaction and carry out radio purchasing.
13) under the situation of the identity of not knowing credit card user, the client can by or the driving license of its magnetic strip brushed the credit draw-in groove or makes its finger discern he oneself energetically by the front of the fingerprint reader camera lens on accessory module one side.
In case driving license or finger print data are read and preserved, use the above mentioned cryptographic algorithm enciphered data that is used for the credit card capture data.All types of transaction are included but not limited to use credit card, credit card, check or other form payment verification email message, financial transaction and purchase and be used at roadside payment passenger traffic ticket, this has created safe inlet.
Brief Description Of Drawings
Fig. 1 shows the outside of plug-in module and the profile of the portable phone that connects.
Fig. 2 shows the intraware location of circuit board and the various piece in the module inner chamber.
Fig. 3 shows the process flow diagram of authorizing the action of finishing of being carried out by plug-in module step by step from swiping the card to.
Fig. 4 shows exemplary commodity transaction, and it begins from swiping the card to the IP session to MTSO to Card processor, by security gateway through private frame relay to finishing that the transaction of credit card approval or refusal is finished a little and concluded the business.
Fig. 5 shows ciphering process and subsequently decrypting process from start to end.
Fig. 6 shows manufacturer that each mechanism comprises processing enter, settling bank, mobile provider, portable phone, module makers, and credit card issue agency, their share lose device, client's complaint or address inquires to, and public database of the customer support of each mechanism.

Claims (1)

  1. As the plug-in type add-on module of the portable phone that is used for any manufacturing after city's field device, it is connected to existing portable phone, does not revise, and it connects by the standard external data port or through RS-232 configuration or USB configuration, and described module comprises:
    1) credit card magnetic stripe reader head;
    2) smart card insertion groove;
    3) bar code reader equipment;
    4) fingerprint reader;
    5) IHR (infrared) wireless printer interface (standard agreement);
    6) encrypting module of AES type approval;
    7) be used for the memory storage device that data keep;
    8) microprocessor unit;
    Described module is connected to credit card processing enter, retail division, bill payment center or the Internet sale mechanism so that buy and to come into force, Pay Bill, to settle an account and realize the safe transmission of financial transaction through safety entrance, or through the Internet or through dedicated network; Signal and the message session realization in this IP session, dialer session or high-altitude that connects safely on mobile supporting network.
CNA038221217A 2002-07-30 2003-07-24 Plug in credit card reader module for wireless cellular phone verifications Pending CN1682240A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/207,730 2002-07-30
US10/207,730 US20040104268A1 (en) 2002-07-30 2002-07-30 Plug in credit card reader module for wireless cellular phone verifications

Publications (1)

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CN1682240A true CN1682240A (en) 2005-10-12

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US (1) US20040104268A1 (en)
EP (1) EP1546990A4 (en)
JP (1) JP2006514767A (en)
KR (1) KR20050039836A (en)
CN (1) CN1682240A (en)
AU (1) AU2003263807A1 (en)
CA (1) CA2495947A1 (en)
MX (1) MXPA05002195A (en)
RU (1) RU2005105570A (en)
WO (1) WO2004095355A1 (en)

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